The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$79,950
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,436
−HK$2,527/mo
Today · 4.125%
HK$84,963
baseline
▲ 0.50% · 4.625%
HK$90,133
+HK$5,170/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,926/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,943
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,328
−HK$2,420/mo
Today · 4.125%
HK$93,748
baseline
▲ 0.50% · 4.625%
HK$98,690
+HK$4,942/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,496/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,939
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,924
−HK$3,032/mo
Today · 4.125%
HK$101,956
baseline
▲ 0.50% · 4.625%
HK$108,159
+HK$6,203/mo
Deposit HK$14.02M · loan HK$21.04M · min. income ≈ HK$203,912/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,732
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,594
−HK$2,904/mo
Today · 4.125%
HK$112,498
baseline
▲ 0.50% · 4.625%
HK$118,428
+HK$5,930/mo
Deposit HK$14.02M · loan HK$21.04M · min. income ≈ HK$224,996/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,929
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,411
−HK$3,537/mo
Today · 4.125%
HK$118,948
baseline
▲ 0.50% · 4.625%
HK$126,186
+HK$7,238/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,896/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,520
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,860
−HK$3,388/mo
Today · 4.125%
HK$131,248
baseline
▲ 0.50% · 4.625%
HK$138,166
+HK$6,918/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,496/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,909
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,386
−HK$4,548/mo
Today · 4.125%
HK$152,934
baseline
▲ 0.50% · 4.625%
HK$162,239
+HK$9,305/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$305,868/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,098
−HK$8,649/mo
▼ 0.25% · 3.875%
HK$164,391
−HK$4,356/mo
Today · 4.125%
HK$168,747
baseline
▲ 0.50% · 4.625%
HK$177,642
+HK$8,895/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$337,494/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,121 · Scale 2, in force from 26 Feb 2026)